CN109300052A - Insurance recommended method, equipment, server and readable medium based on interrogation on line - Google Patents
Insurance recommended method, equipment, server and readable medium based on interrogation on line Download PDFInfo
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- CN109300052A CN109300052A CN201811282144.5A CN201811282144A CN109300052A CN 109300052 A CN109300052 A CN 109300052A CN 201811282144 A CN201811282144 A CN 201811282144A CN 109300052 A CN109300052 A CN 109300052A
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- insurance products
- information
- interrogation
- reimbursement
- insurance
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- 238000000034 method Methods 0.000 title claims abstract description 40
- 201000010099 disease Diseases 0.000 claims abstract description 179
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 claims abstract description 179
- 208000024891 symptom Diseases 0.000 claims abstract description 11
- 238000013507 mapping Methods 0.000 claims description 15
- 238000004590 computer program Methods 0.000 claims description 12
- 238000012360 testing method Methods 0.000 claims description 5
- 230000036541 health Effects 0.000 abstract description 11
- 230000005540 biological transmission Effects 0.000 description 17
- 206010012601 diabetes mellitus Diseases 0.000 description 13
- 208000002177 Cataract Diseases 0.000 description 10
- 206010046851 Uveitis Diseases 0.000 description 8
- 206010047571 Visual impairment Diseases 0.000 description 6
- 238000010586 diagram Methods 0.000 description 6
- 208000029257 vision disease Diseases 0.000 description 6
- 230000004393 visual impairment Effects 0.000 description 6
- 206010034960 Photophobia Diseases 0.000 description 4
- 238000004891 communication Methods 0.000 description 4
- 230000029058 respiratory gaseous exchange Effects 0.000 description 4
- 208000029078 coronary artery disease Diseases 0.000 description 3
- 230000004438 eyesight Effects 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
- 230000007246 mechanism Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 208000000059 Dyspnea Diseases 0.000 description 1
- 206010013975 Dyspnoeas Diseases 0.000 description 1
- 206010016275 Fear Diseases 0.000 description 1
- 208000010412 Glaucoma Diseases 0.000 description 1
- 206010019233 Headaches Diseases 0.000 description 1
- 206010068319 Oropharyngeal pain Diseases 0.000 description 1
- 201000007100 Pharyngitis Diseases 0.000 description 1
- 206010037660 Pyrexia Diseases 0.000 description 1
- 208000009205 Tinnitus Diseases 0.000 description 1
- 230000004888 barrier function Effects 0.000 description 1
- 230000007423 decrease Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 239000003814 drug Substances 0.000 description 1
- 229940079593 drug Drugs 0.000 description 1
- 231100000869 headache Toxicity 0.000 description 1
- 238000007689 inspection Methods 0.000 description 1
- 230000003716 rejuvenation Effects 0.000 description 1
- 208000013220 shortness of breath Diseases 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 231100000886 tinnitus Toxicity 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0631—Item recommendations
Abstract
The embodiment of the invention discloses a kind of insurance recommended method, equipment, server and readable mediums based on interrogation on line, wherein, method includes: the interrogation request for receiving user terminal and sending, interrogation keyword message is carried in the interrogation request, the interrogation keyword message includes disease information and/or symptom information；According to the interrogation keyword message, target disease information corresponding with the interrogation keyword message is determined；According to the target disease information, the reimbursement information of at least one insurance products associated with the target disease information is determined；The reimbursement information of at least one insurance products is sent to the user terminal, so that the user of the user terminal selects insurance products as needed.It is realized in this way to user terminal and recommends insurance products, facilitated user to select insurance products, improve medical security, reduce health care costs.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of insurance recommended method based on interrogation on line, equipment,
Server and readable medium.
Background technique
Currently, more and more people are busy with work with the increase of life stress, it is high to the attention rate of health,
Health is had ignored, illness age also increasingly rejuvenation more and more so as to cause body illness.Nowadays the expense of seeing a doctor is got over
Come higher, therefore, how to be effectively reduced and see a doctor cost and have important practical significance.
Summary of the invention
The embodiment of the present invention provides a kind of insurance recommended method, equipment, server and readable medium based on interrogation on line,
Recommend insurance products by being embodied as user, improves medical security, reduces health care costs.
In a first aspect, the embodiment of the invention provides a kind of insurance recommended methods based on interrogation on line, this method comprises:
The interrogation request that user terminal is sent is received, carries interrogation keyword message in the interrogation request, it is described to ask
Examining keyword message includes disease information and/or symptom information；
According to the interrogation keyword message, target disease information corresponding with the interrogation keyword message is determined；
According to the target disease information, at least one insurance products associated with the target disease information are determined
Submit an expense account information；
The reimbursement information of at least one insurance products is sent to the user terminal, so that the user terminal
User selects insurance products as needed.
Further, described according to the target disease information, determination is associated at least with the target disease information
The reimbursement information of one insurance products, comprising:
The target disease information is sent to medical insurance terminal, so that the medical insurance terminal inquiry and the target disease are believed
At least one associated insurance products of manner of breathing；
Receive the report at least one insurance products associated with the target disease information that the medical insurance terminal is sent
Sell information, wherein the reimbursement information of the insurance products includes reimbursement project and/or reimbursement ratio.
Further, the reimbursement information includes reimbursement project and reimbursement ratio；It is described to produce at least one described insurance
The reimbursement information of product is sent to before the user terminal, further includes:
Obtain the reimbursement ratio that project is respectively submitted an expense account at least one insurance products associated with the target disease information；
According to the reimbursement ratio for respectively submitting an expense account project at least one described insurance products, determine that at least one described insurance produces
The average reimbursement ratio of product；
Ratio is averagely submitted an expense account according to described, at least one described insurance products are ranked up, and according to each after sequence
Insurance products generate insurance products list；
It is described that the reimbursement information of at least one insurance products is sent to the user terminal, comprising:
The insurance products list is sent to the user terminal.
Further, the reimbursement information includes reimbursement project；The reimbursement by least one insurance products is believed
Breath is sent to before the user terminal, further includes:
Obtain the reimbursement project of at least one insurance products associated with the target disease information；
According to the quantity of the reimbursement project of at least one insurance products associated with the target disease information, to described
At least one insurance products is ranked up, and generates insurance products list according to each insurance products after sequence；
It is described that the reimbursement information of at least one insurance products is sent to the user terminal, comprising:
The insurance products list is sent to the user terminal.
It is further, described that the insurance products list is sent to the user terminal, comprising:
Whether the quantity for detecting insurance products in the insurance products list is greater than preset quantity threshold value；
If testing result is insurance that is yes, will being come in the preset quantity threshold value in the insurance products list
Product is determined as the first display list, and the insurance products come outside preset quantity threshold value in the insurance products list are true
It is set to the second display list；
According to preset time interval, the first display list and the second display list are successively sent to the user
Terminal.
Further, described according to the interrogation keyword message, determine mesh corresponding with the interrogation keyword message
Mark disease information, comprising:
According to preset mapping relations, at least one association disease letter associated with the interrogation keyword message is determined
Breath；
Calculate the interrogation keyword message with it is described at least one be associated with the degree of correlation of disease information；
The association disease information for determining that the degree of correlation is greater than preset threshold is corresponding with the interrogation keyword message
Target disease information.
Further, the calculating interrogation key sub-information is related at least one association disease information
Degree, comprising:
Obtain the interrogation keyword message with it is described at least one be associated with the keyword quantity that disease information matches；
According to the keyword quantity, the interrogation keyword message and the matched probability of each association disease information are calculated；
According to the probability, the degree of correlation of the interrogation key sub-information and each association disease information is determined.
Second aspect, the embodiment of the invention provides a kind of insurance recommendation apparatus, which includes for holding
The unit of the method for the above-mentioned first aspect of row.
The third aspect, the embodiment of the invention provides a kind of server, including processor, input equipment, output equipment and
Memory, the processor, input equipment, output equipment and memory are connected with each other, wherein the memory is for storing branch
The computer program that server executes the above method is held, the computer program includes program instruction, and the processor is configured
For calling described program to instruct, the method for executing above-mentioned first aspect.
Fourth aspect, the embodiment of the invention provides a kind of computer readable storage medium, the computer storage medium
It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor
State the method that processor executes above-mentioned first aspect.
The embodiment of the present invention, server can receive the interrogation request of user terminal transmission, carry in the interrogation request
Interrogation keyword message determines target disease corresponding with the interrogation keyword message according to the interrogation keyword message
Sick information, and according to the target disease information, determine at least one insurance products associated with the target disease information
Reimbursement information, the reimbursement information of at least one insurance products is sent to the user terminal, so that the user
The user of terminal selects insurance products as needed.In this way, it realizes intelligent and is automatically pushed away to user terminal
Insurance products are recommended, facilitates user to select purchase insurance products, improves medical security, reduce health care costs.
Detailed description of the invention
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the invention, general for this field
For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of schematic flow diagram of insurance recommended method based on interrogation on line provided in an embodiment of the present invention；
Fig. 2 is the schematic flow diagram of another insurance recommended method based on interrogation on line provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic block diagram for insuring recommendation apparatus provided in an embodiment of the present invention；
Fig. 4 is a kind of schematic block diagram of server provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
It should be appreciated that the term used in this description of the invention is merely for the sake of for the purpose of describing particular embodiments
And it is not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless up and down
Text clearly indicates other situations, and otherwise " one " of singular, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
Insurance recommended method provided in an embodiment of the present invention based on interrogation on line can be held by a kind of insurance recommender system
Row, the insurance recommender system include insurance recommendation apparatus and user terminal, wherein in certain embodiments, the insurance pushes away
Recommending equipment can be set on the server, and in certain embodiments, the server may include mobile phone, computer, plate, intelligence
The intelligent terminals such as wrist-watch.In certain embodiments, it can establish communication between the insurance recommendation apparatus and the user terminal
Connection, to carry out two-way communication.In certain embodiments, the user terminal may include: mobile phone, computer, plate, intelligent hand
The intelligent terminals such as table.
User terminal described in the insurance recommender system can send interrogation request to server, take in the interrogation request
It include disease information and/or symptom information with interrogation keyword message, the interrogation keyword message, the server is connecing
, can be according to the interrogation keyword message after receiving the interrogation request, determination is corresponding with the interrogation keyword message
Target disease information, and according to the target disease information, determine it is associated with the target disease information at least one
The reimbursement information of insurance products, and the reimbursement information of at least one insurance products is sent to the user terminal, with
So that the user of the user terminal is selected insurance products as needed, recommends insurance to produce to user terminal by being requested according to interrogation
Product facilitate user to select purchase insurance products, improve medical security, reduce health care costs.With reference to the accompanying drawing to this hair
The insurance recommended method based on interrogation on line of bright embodiment is schematically illustrated.
Referring to Figure 1, Fig. 1 is a kind of signal of insurance recommended method based on interrogation on line provided in an embodiment of the present invention
Flow chart, as shown in Figure 1, this method can be executed by insurance recommendation apparatus, the insurance recommendation apparatus, which can be set, to be serviced
On device, the specific explanations of the server are as previously mentioned, details are not described herein again.Specifically, the method for the embodiment of the present invention
Include the following steps.
S101: the interrogation request that user terminal is sent is received, carries interrogation keyword message in the interrogation request.
In the embodiment of the present invention, server can receive the interrogation request of user terminal transmission, take in the interrogation request
With interrogation keyword message.In certain embodiments, the interrogation keyword message includes disease information and/or symptom letter
Breath.In certain embodiments, the disease information includes disease name, disease symptoms, checks data, sick time, Huan Zhexin
The information such as breath, whether it is pregnant woman etc. that the patient information includes patient age, Gender, Patient height, patient's weight, patient
Data information relevant to health；In certain embodiments, the symptom information is data information associated with disease information,
Such as headache, fever, uncomfortable in chest, shortness of breath, sore throat, eyes be fuzzy, tinnitus symptom data information relevant to body illness information.
In one embodiment, the server is when getting the interrogation request that the user terminal is sent, Ke Yijian
Survey whether the keyword message got from interrogation request meets interrogation condition, if conditions are not met, then can be to transmission
The user terminal of the interrogation request sends prompt information, the data information lacked with prompting the user terminal to input.
In one embodiment, the keyword message meets interrogation condition and refers to includes according in the keyword message
Disease information and patient information may determine that the corresponding disease information of the keyword message.In certain embodiments, described
It may include the keyword message that keyword message, which meets interrogation condition, and in certain embodiments, the keyword message is extremely
It less include disease information and patient information.
For example, if include in the interrogation request that the user terminal that gets of the server is sent disease name,
Disease symptoms and inspection data, then the server can detecte in the interrogation keyword message carried in the interrogation request
Lack patient information, it can determine that the interrogation keyword message is unsatisfactory for interrogation condition, and request to the interrogation is sent
User terminal send prompt information, to prompt user terminal input patient information.
S102: according to the interrogation keyword message, target disease letter corresponding with the interrogation keyword message is determined
Breath.
In the embodiment of the present invention, server can be according to the interrogation keyword message, the determining and interrogation keyword
The corresponding target disease information of information.
In one embodiment, for the server according to the interrogation keyword message, the determining and described interrogation is crucial
, can be according to preset mapping relations when the corresponding target disease information of word information, the determining and interrogation keyword message phase
It is associated at least one association disease information, and calculate the interrogation keyword message with it is described at least one be associated with disease information
The degree of correlation, so that it is determined that the degree of correlation be greater than preset threshold association disease information be and the interrogation keyword message pair
The target disease information answered.In certain embodiments, the preset mapping relations are that preset keyword message and disease are believed
The mapping relations of breath, the preset mapping relations can be one-to-one mapping relations, can be one-to-many mapping relations,
It can be many-to-one mapping relations, can be the mapping relations of multi-to-multi, the embodiment of the present invention is not specifically limited.
For example, it is assumed that the interrogation keyword message that the server is got includes visual impairment, drops tears, then institute
Stating server can determine and the visual impairment, stream eye according to the mapping relations of preset keyword message and disease information
The corresponding disease information of the keyword of tear includes the ophthalmology diseases such as cataract, uveitis and diabetes, and the server can
To calculate separately the interrogation keyword message and the cataract, uveitis, the degree of correlation of diabetes, obtain described white interior
The degree of correlation of barrier is a, the degree of correlation of uveitis is b, the degree of correlation of diabetes is c, it is assumed that the preset threshold is x, if
The degree of correlation then can be greater than the association disease information cataract of preset threshold x by a > b > x > c, uveitis determines
For with the interrogation keyword message visual impairment, drop tears corresponding target disease information.
In one embodiment, the server calculate the interrogation key sub-information with it is described at least one be associated with disease
When the degree of correlation of sick information, the available interrogation keyword message with it is described at least one be associated with what disease information matched
Keyword quantity, and according to the keyword quantity, it calculates the interrogation keyword message and each association disease information is matched
Probability, to determine the degree of correlation of the interrogation key sub-information and each association disease information according to the probability.When
So, in other embodiments, the server can also be calculated using other relevancy algorithms the interrogation key sub-information with
The degree of correlation of at least one association disease information, the embodiment of the present invention are not specifically limited.
For example, it is assumed that the interrogation keyword message that the server is got includes visual impairment, drops tears, fears
Light, then the server according to the mapping relations of preset keyword message and disease information determine under the eyesight
After the corresponding disease information of the keyword drop, to drop tears includes cataract, uveitis and diabetes, it can obtain respectively
The visual impairment, drop tears, photophobia with it is described at least one to be associated with keyword that disease information cataract matches be eyesight
Decline, drop tears, i.e., matched keyword quantity be 7, obtain visual impairment, drop tears, photophobia with it is described at least one be associated with
The keyword that disease information uveitis matches is to drop tears and photophobia, i.e., matched keyword quantity is under 5 and eyesight
Drop, drop tears, photophobia with it is described at least one to be associated with keyword that disease information diabetes match be to drop tears and matched
Keyword quantity is 3.The server can according to the keyword quantity, calculate the interrogation keyword message with it is described white
The matched probability of cataract or glaucoma is 7/9, and the interrogation keyword message and the matched probability of the uveitis are 5/9, the interrogation
Keyword message and the matched probability of the diabetes are 3/9, to determine the interrogation keyword message according to the probability
The degree of correlation with the cataract is 7/9, and the degree of correlation of the interrogation keyword message and the uveitis is 5/9, described
The degree of correlation of interrogation keyword message and the diabetes is 3/9.
S103: according to the target disease information, at least one insurance associated with the target disease information is determined
The reimbursement information of product.
In the embodiment of the present invention, server can be according to the target disease information, the determining and target disease information
The reimbursement information of at least one associated insurance products.In certain embodiments, described related to the target disease information
The reimbursement information of at least one insurance products of connection includes the information such as reimbursement project, reimbursement ratio.For example, it is assumed that the server
Determining target disease information is cataract, then the server can determine at least one guarantor associated with the cataract
The reimbursement information of dangerous product.
In one embodiment, server can be identified according to the disease that carries in the target disease information, from institute
State the reimbursement that server establishes inquiry insurance products associated with the target disease information in the medicare system of communication connection
Information.In certain embodiments, the reimbursement information of the insurance products may include reimbursement mechanism；In certain embodiments, institute
Stating reimbursement mechanism includes the data informations such as reimbursement ratio, reimbursement project, reimbursement drug.
For example, it is assumed that the disease mark carried in the target disease information includes disease name, disease data, if institute
Stating the disease name carried in target disease information is coronary heart disease, then server can be carried according in the target disease information
Disease name coronary heart disease, from the server establish communication connection medicare system in inquiry it is associated with the coronary heart disease
Insurance products.
In one embodiment, the server can detect the server after determining target disease information
Presetting database in whether there is the target disease information, if it is present can according to preset disease information and protect
The mapping relations of dangerous product determine at least one insurance associated with the target disease information from the presetting database
Product, and obtain the reimbursement information of at least one insurance products.
S104: the reimbursement information of at least one insurance products is sent to the user terminal, so that the user
The user of terminal selects insurance products as needed.
In the embodiment of the present invention, the reimbursement information of at least one insurance products can be sent to the use by server
Family terminal, so that the user of the user terminal selects insurance products as needed.For example, it is assumed that the server determine with
Associated 2 insurance products of cataract, i.e. the first insurance products and the second insurance products, then the server can will be described
The reimbursement information of first insurance products and the reimbursement information of the second insurance products are sent to user terminal, so that the user terminal
User select the first insurance products or the second insurance products as needed.
In the embodiment of the present invention, server can receive the interrogation request of user terminal transmission, take in the interrogation request
Target corresponding with the interrogation keyword message is determined according to the interrogation keyword message with interrogation keyword message
Disease information, and according to the target disease information, determine that at least one insurance associated with the target disease information produces
The reimbursement information of at least one insurance products is sent to the user terminal by the reimbursement information of product, so that the use
The user of family terminal selects insurance products as needed.In this way, intelligence is realized and automatically to user terminal
Recommend insurance products, facilitates user to select purchase insurance products, improve medical security, reduce health care costs.
Fig. 2 is referred to, Fig. 2 is showing for another insurance recommended method based on interrogation on line provided in an embodiment of the present invention
Meaning flow chart, as shown in Fig. 2, this method can be executed by insurance recommendation apparatus, the specific explanations of the insurance recommendation apparatus are as before
Described, details are not described herein again.The difference of the embodiment of the present invention and embodiment described in above-mentioned Fig. 1 is that the embodiment of the present invention is pair
Insure the detailed description for the implementation process recommended.Specifically, described method includes following steps for the embodiment of the present invention.
S201: the interrogation request that user terminal is sent is received, carries interrogation keyword message in the interrogation request.
In the embodiment of the present invention, server can receive the interrogation request of user terminal transmission, take in the interrogation request
With interrogation keyword message.Specific implementation process and illustration are as previously mentioned, details are not described herein again.
S202: according to the interrogation keyword message, target disease letter corresponding with the interrogation keyword message is determined
Breath.
In the embodiment of the present invention, server can be according to the interrogation keyword message, the determining and interrogation keyword
The corresponding target disease information of information.Specific embodiment and illustration are as previously mentioned, details are not described herein again.
S203: being sent to medical insurance terminal for the target disease information, so that the medical insurance terminal inquiry and the target
At least one associated insurance products of disease information.
In the embodiment of the present invention, server can send out the target disease information after determining target disease information
Medical insurance terminal is given, so that the medical insurance terminal inquiry at least one insurance products associated with the target disease information.
For example, it is assumed that the target disease that the server determines is diabetes, then the server can be by the information of the diabetes
It is sent to medical insurance terminal, so that the medical insurance terminal inquiry at least one insurance associated with the information of the diabetes produces
Product.
S204: at least one insurance products associated with the target disease information that the medical insurance terminal is sent are received
Reimbursement information.
In the embodiment of the present invention, server can receive the related to the target disease information of the medical insurance terminal transmission
The reimbursement information of at least one insurance products of connection.In certain embodiments, the reimbursement information of the insurance products includes reimbursement
Project and/or reimbursement ratio.
S205: according to the reimbursement information of at least one insurance products associated with the target disease information, to described
At least one insurance products is ranked up, and generates insurance products list according to each insurance products after sequence.
In the embodiment of the present invention, server can be produced according at least one insurance associated with the target disease information
The reimbursement information of product is ranked up at least one described insurance products, and generates insurance according to each insurance products after sequence
Product list.
In one embodiment, the reimbursement information includes reimbursement project and reimbursement ratio, and the server is available
Respectively submit an expense account the reimbursement ratio of project at least one insurance products associated with the target disease information, and according to it is described extremely
The reimbursement ratio that project is respectively submitted an expense account in few insurance products determines the average reimbursement ratio of at least one insurance products,
According to it is described averagely submit an expense account ratio sequence, at least one described insurance products are ranked up, and according to sequence after
Each insurance products generate insurance products list.
For example, it is assumed that the target disease be diabetes, if the server get it is associated with the diabetes
2 insurance products, then respectively submit an expense account project in available 2 insurance products associated with the diabetes of the server
Reimbursement ratio, and according to the reimbursement ratio for respectively submitting an expense account project at least one described insurance products, determine it is described at least one
The average reimbursement ratio of insurance products, according to the sequence for averagely submitting an expense account ratio, at least one described insurance products
It is ranked up, and generates insurance products list according to each insurance products after sequence.
In one embodiment, the reimbursement information includes reimbursement project, and the server is available with the target
The reimbursement project of at least one associated insurance products of disease information, and according to associated extremely with the target disease information
The quantity of the reimbursement project of few insurance products, is ranked up at least one described insurance products, and according to sequence after
Each insurance products generate insurance products list.
For example, it is assumed that the server gets 2 insurance products associated with the target disease information, respectively
First insurance products and the second insurance products, if the quantity of the reimbursement project of first insurance products is 5, described second is protected
The reimbursement quantity of dangerous product is 8, then the server can be ranked up this 2 insurance products, and according to each after sequence
Insurance products generate insurance products list.
S206: the insurance products list is sent to the user terminal.
In the embodiment of the present invention, the insurance products list can be sent to the user terminal by server.
In one embodiment, the server, can when the insurance products list is sent to the user terminal
To detect whether the quantity of insurance products in the insurance products list is greater than preset quantity threshold value, if testing result be it is yes,
Then the insurance products come in the preset quantity threshold value in the insurance products list can be determined as the first display list,
And the insurance products come outside preset quantity threshold value in the insurance products list are determined as the second display list, and according to
The first display list and the second display list are successively sent to the user terminal by preset time interval.
For example, it is assumed that it includes 20 insurance products in the insurance products list that the server, which detects, if default
Amount threshold is 10, then can determine that the insurance products number in the insurance products list is greater than preset quantity threshold value, and will
The insurance products that preceding 10 are come in the insurance products list are determined as the first display list, and by the insurance products list
In come the 11st to 20 insurance products and be determined as the second display list, and according to preset time interval, successively by described
One display list and the second display list are sent to the user terminal.
In the embodiment of the present invention, server can receive the interrogation request of user terminal transmission, take in the interrogation request
Target corresponding with the interrogation keyword message is determined according to the interrogation keyword message with interrogation keyword message
It is sending with the target to receive the medical insurance terminal for disease information, and the target disease information is sent to medical insurance terminal
The reimbursement information of at least one associated insurance products of disease information, according to associated at least with the target disease information
The reimbursement information of one insurance products is ranked up at least one described insurance products, and produces according to each insurance after sequence
Product generate insurance products list, so that the insurance products list is sent to the user terminal.In this way, it realizes
It is intelligent and automatically recommend insurance products to user terminal, facilitate user to select purchase insurance products, improves medical guarantor
Hinder, reduce health care costs.
The embodiment of the invention also provides a kind of insurance recommendation apparatus, the insurance recommendation apparatus is any one of aforementioned for executing
The unit of the method.It specifically, is a kind of signal for insuring recommendation apparatus provided in an embodiment of the present invention referring to Fig. 3, Fig. 3
Block diagram.The insurance recommendation apparatus of the embodiment of the present invention includes: receiving unit 301, the first determination unit 302, the second determination unit
303 and transmission unit 304.
Receiving unit 301 carries interrogation pass in the interrogation request for receiving the interrogation request of user terminal transmission
Key word information, the interrogation keyword message include disease information and/or symptom information；
First determination unit 302, for according to the interrogation keyword message, the determining and interrogation keyword message pair
The target disease information answered；
Second determination unit 303, for according to the target disease information, determination to be associated with the target disease information
At least one insurance products reimbursement information；
Transmission unit 304, for the reimbursement information of at least one insurance products to be sent to the user terminal, with
The user of the user terminal is set to select insurance products as needed.
Further, second determination unit 303 is determining to believe with the target disease according to the target disease information
When the reimbursement information of at least one associated insurance products of manner of breathing, it is specifically used for:
The target disease information is sent to medical insurance terminal, so that the medical insurance terminal inquiry and the target disease are believed
At least one associated insurance products of manner of breathing；
Receive the report at least one insurance products associated with the target disease information that the medical insurance terminal is sent
Sell information, wherein the reimbursement information of the insurance products includes reimbursement project and/or reimbursement ratio.
Further, the reimbursement information includes reimbursement project and reimbursement ratio；The general of transmission unit 304 is described at least
The reimbursement information of one insurance products is sent to before the user terminal, is also used to:
Obtain the reimbursement ratio that project is respectively submitted an expense account at least one insurance products associated with the target disease information；
According to the reimbursement ratio for respectively submitting an expense account project at least one described insurance products, determine that at least one described insurance produces
The average reimbursement ratio of product；
Ratio is averagely submitted an expense account according to described, at least one described insurance products are ranked up, and according to each after sequence
Insurance products generate insurance products list；
The reimbursement information of at least one insurance products is sent to the user terminal by the transmission unit 304, tool
Body is used for:
The insurance products list is sent to the user terminal.
Further, the reimbursement information includes reimbursement project；The transmission unit 304 produces at least one described insurance
The reimbursement information of product is sent to before the user terminal, is also used to:
Obtain the reimbursement project of at least one insurance products associated with the target disease information；
According to the quantity of the reimbursement project of at least one insurance products associated with the target disease information, to described
At least one insurance products is ranked up, and generates insurance products list according to each insurance products after sequence；
When the reimbursement information of at least one insurance products is sent to the user terminal by the transmission unit 304,
It is specifically used for:
The insurance products list is sent to the user terminal.
Further, it is specific to use when the insurance products list is sent to the user terminal by the transmission unit 304
In:
Whether the quantity for detecting insurance products in the insurance products list is greater than preset quantity threshold value；
If testing result is insurance that is yes, will being come in the preset quantity threshold value in the insurance products list
Product is determined as the first display list, and the insurance products come outside preset quantity threshold value in the insurance products list are true
It is set to the second display list；
According to preset time interval, the first display list and the second display list are successively sent to the user
Terminal.
Further, first determination unit 302 is determining crucial with the interrogation according to the interrogation keyword message
When the corresponding target disease information of word information, it is specifically used for:
According to preset mapping relations, at least one association disease letter associated with the interrogation keyword message is determined
Breath；
Calculate the interrogation keyword message with it is described at least one be associated with the degree of correlation of disease information；
The association disease information for determining that the degree of correlation is greater than preset threshold is corresponding with the interrogation keyword message
Target disease information.
Further, first determination unit 302 calculate the interrogation key sub-information with it is described at least one be associated with
When the degree of correlation of disease information, it is specifically used for:
Obtain the interrogation keyword message with it is described at least one be associated with the keyword quantity that disease information matches；
According to the keyword quantity, the interrogation keyword message and the matched probability of each association disease information are calculated；
According to the probability, the degree of correlation of the interrogation key sub-information and each association disease information is determined.
In the embodiment of the present invention, server can receive the interrogation request of user terminal transmission, take in the interrogation request
Target corresponding with the interrogation keyword message is determined according to the interrogation keyword message with interrogation keyword message
Disease information, and according to the target disease information, determine that at least one insurance associated with the target disease information produces
The reimbursement information of at least one insurance products is sent to the user terminal by the reimbursement information of product, so that the use
The user of family terminal selects insurance products as needed.In this way, intelligence is realized and automatically to user terminal
Recommend insurance products, facilitates user to select purchase insurance products, improve medical security, reduce health care costs.
Referring to fig. 4, Fig. 4 is a kind of schematic block diagram of server provided in an embodiment of the present invention.This implementation as shown in the figure
Server in example may include: one or more processors 401；One or more input equipments 402, one or more output
Equipment 403 and memory 404.Above-mentioned processor 401, input equipment 402, output equipment 403 and memory 404 pass through bus
405 connections.Memory 404 is for storing computer program, and the computer program includes program instruction, and processor 401 is used for
Execute the program instruction that memory 404 stores.Wherein, processor 401 is configured for calling described program instruction execution:
The interrogation request that user terminal is sent is received, carries interrogation keyword message in the interrogation request, it is described to ask
Examining keyword message includes disease information and/or symptom information；
According to the interrogation keyword message, target disease information corresponding with the interrogation keyword message is determined；
According to the target disease information, at least one insurance products associated with the target disease information are determined
Submit an expense account information；
The reimbursement information of at least one insurance products is sent to the user terminal, so that the user terminal
User selects insurance products as needed.
Further, for the processor 401 according to the target disease information, determination is related to the target disease information
When the reimbursement information of at least one insurance products of connection, it is specifically used for executing following steps:
The target disease information is sent to medical insurance terminal, so that the medical insurance terminal inquiry and the target disease are believed
At least one associated insurance products of manner of breathing；
Receive the report at least one insurance products associated with the target disease information that the medical insurance terminal is sent
Sell information, wherein the reimbursement information of the insurance products includes reimbursement project and/or reimbursement ratio.
Further, the reimbursement information includes reimbursement project and reimbursement ratio；The processor 401 is at least one by described in
The reimbursement information of a insurance products is sent to before the user terminal, is also used to execute following steps:
Obtain the reimbursement ratio that project is respectively submitted an expense account at least one insurance products associated with the target disease information；
According to the reimbursement ratio for respectively submitting an expense account project at least one described insurance products, determine that at least one described insurance produces
The average reimbursement ratio of product；
Ratio is averagely submitted an expense account according to described, at least one described insurance products are ranked up, and according to each after sequence
Insurance products generate insurance products list；
The reimbursement information of at least one insurance products is sent to the user terminal by the processor 401, specifically
For:
The insurance products list is sent to the user terminal.
Further, the reimbursement information includes reimbursement project；The processor 401 will at least one described insurance products
Reimbursement information be sent to before the user terminal, be also used to execute following steps:
Obtain the reimbursement project of at least one insurance products associated with the target disease information；
According to the quantity of the reimbursement project of at least one insurance products associated with the target disease information, to described
At least one insurance products is ranked up, and generates insurance products list according to each insurance products after sequence；
When the reimbursement information of at least one insurance products is sent to the user terminal by the processor 401, tool
Body is used for:
The insurance products list is sent to the user terminal.
Further, when the insurance products list is sent to the user terminal by the processor 401, it is specifically used for
Execute following steps:
Whether the quantity for detecting insurance products in the insurance products list is greater than preset quantity threshold value；
If testing result is insurance that is yes, will being come in the preset quantity threshold value in the insurance products list
Product is determined as the first display list, and the insurance products come outside preset quantity threshold value in the insurance products list are true
It is set to the second display list；
According to preset time interval, the first display list and the second display list are successively sent to the user
Terminal.
Further, the processor 401 is according to the interrogation keyword message, the determining and interrogation keyword message
When corresponding target disease information, it is specifically used for executing following steps:
According to preset mapping relations, at least one association disease letter associated with the interrogation keyword message is determined
Breath；
Calculate the interrogation keyword message with it is described at least one be associated with the degree of correlation of disease information；
The association disease information for determining that the degree of correlation is greater than preset threshold is corresponding with the interrogation keyword message
Target disease information.
Further, the processor 401 calculate the interrogation key sub-information with it is described at least one be associated with disease letter
When the degree of correlation of breath, it is specifically used for executing following steps:
Obtain the interrogation keyword message with it is described at least one be associated with the keyword quantity that disease information matches；
According to the keyword quantity, the interrogation keyword message and the matched probability of each association disease information are calculated；
According to the probability, the degree of correlation of the interrogation key sub-information and each association disease information is determined.
In the embodiment of the present invention, server can receive the interrogation request of user terminal transmission, take in the interrogation request
Target corresponding with the interrogation keyword message is determined according to the interrogation keyword message with interrogation keyword message
Disease information, and according to the target disease information, determine that at least one insurance associated with the target disease information produces
The reimbursement information of at least one insurance products is sent to the user terminal by the reimbursement information of product, so that the use
The user of family terminal selects insurance products as needed.In this way, intelligence is realized and automatically to user terminal
Recommend insurance products, facilitates user to select purchase insurance products, improve medical security, reduce health care costs.
It should be appreciated that in embodiments of the present invention, alleged processor 401 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
Reason device is also possible to any conventional processor etc..
Input equipment 402 may include Trackpad, microphone etc., output equipment 403 may include display (LCD etc.),
Loudspeaker etc..
The memory 404 may include read-only memory and random access memory, and to processor 401 provide instruction and
Data.The a part of of memory 404 can also include nonvolatile RAM.For example, memory 404 can also be deposited
Store up the information of device type.
In the specific implementation, processor 401 described in the embodiment of the present invention, input equipment 402, output equipment 403 can
Execute realization side described in embodiment of the method described in Fig. 1 or Fig. 2 of position finding and detection method provided in an embodiment of the present invention
Server described in the implementation or Fig. 4 of the described insurance recommendation apparatus of Fig. 3 of the embodiment of the present invention also can be performed in formula
Implementation, details are not described herein.
A kind of computer readable storage medium is additionally provided in the embodiment of the present invention, the computer readable storage medium is deposited
Computer program is contained, the computer program is realized fixed described in embodiment corresponding to Fig. 1 or Fig. 2 when being executed by processor
Position detecting method can also realize server described in the insurance recommendation apparatus or Fig. 4 of embodiment corresponding to Fig. 3 of the present invention,
This is repeated no more.
It deposits the inside that the computer readable storage medium can be insurance recommendation apparatus described in aforementioned any embodiment
Storage unit, such as the hard disk or memory of insurance recommendation apparatus.The computer readable storage medium, which is also possible to the insurance, to be pushed away
Recommend the plug-in type hard disk being equipped on the External memory equipment of equipment, such as the insurance recommendation apparatus, intelligent memory card (Smart
Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further,
The computer readable storage medium can also both include the internal storage unit of the insurance recommendation apparatus or deposit including outside
Store up equipment.The computer readable storage medium is for storing needed for the computer program and the insurance recommendation apparatus
Other programs and data.The computer readable storage medium, which can be also used for temporarily storing, have been exported or will export
Data.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
The above, some embodiments only of the invention, but scope of protection of the present invention is not limited thereto, and it is any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.
Claims (10)
1. a kind of insurance recommended method based on interrogation on line characterized by comprising
The interrogation request that user terminal is sent is received, carries interrogation keyword message in the interrogation request, the interrogation is closed
Key word information includes disease information and/or symptom information；
According to the interrogation keyword message, target disease information corresponding with the interrogation keyword message is determined；
According to the target disease information, the reimbursement of at least one insurance products associated with the target disease information is determined
Information；
The reimbursement information of at least one insurance products is sent to the user terminal, so that the user of the user terminal
Selection insurance products as needed.
2. the method according to claim 1, wherein described according to the target disease information, it is determining with it is described
The reimbursement information of at least one associated insurance products of target disease information, comprising:
The target disease information is sent to medical insurance terminal, so that the medical insurance terminal inquiry and the target disease information phase
At least one associated insurance products；
Receive the reimbursement letter at least one insurance products associated with the target disease information that the medical insurance terminal is sent
Breath, wherein the reimbursement information of the insurance products includes reimbursement project and/or reimbursement ratio.
3. according to the method described in claim 2, it is characterized in that, the reimbursement information includes reimbursement project and reimbursement ratio；
It is described that the reimbursement information of at least one insurance products is sent to before the user terminal, further includes:
Obtain the reimbursement ratio that project is respectively submitted an expense account at least one insurance products associated with the target disease information；
According to the reimbursement ratio for respectively submitting an expense account project at least one described insurance products, at least one insurance products are determined
Averagely submit an expense account ratio；
Ratio is averagely submitted an expense account according to described, at least one described insurance products are ranked up, and according to each insurance after sequence
Product generates insurance products list；
It is described that the reimbursement information of at least one insurance products is sent to the user terminal, comprising:
The insurance products list is sent to the user terminal.
4. according to the method described in claim 2, it is characterized in that, the reimbursement information includes reimbursement project；It is described will be described
The reimbursement information of at least one insurance products is sent to before the user terminal, further includes:
Obtain the reimbursement project of at least one insurance products associated with the target disease information；
According to the quantity of the reimbursement project of at least one insurance products associated with the target disease information, to it is described at least
One insurance products is ranked up, and generates insurance products list according to each insurance products after sequence；
It is described that the reimbursement information of at least one insurance products is sent to the user terminal, comprising:
The insurance products list is sent to the user terminal.
5. according to the method described in claim 4, it is characterized in that, described be sent to the user for the insurance products list
Terminal, comprising:
Whether the quantity for detecting insurance products in the insurance products list is greater than preset quantity threshold value；
If testing result is insurance products that are yes, will being come in the preset quantity threshold value in the insurance products list
It is determined as the first display list, and is determined as the insurance products outside preset quantity threshold value are come in the insurance products list
Second display list；
According to preset time interval, it is whole that the first display list and the second display list are successively sent to the user
End.
6. the method according to claim 1, wherein described according to the interrogation keyword message, determining and institute
State the corresponding target disease information of interrogation keyword message, comprising:
According to preset mapping relations, at least one association disease information associated with the interrogation keyword message is determined；
Calculate the interrogation keyword message with it is described at least one be associated with the degree of correlation of disease information；
The association disease information for determining that the degree of correlation is greater than preset threshold is target corresponding with the interrogation keyword message
Disease information.
7. according to the method described in claim 6, it is characterized in that, it is described calculate the interrogation key sub-information and it is described at least
The degree of correlation of one association disease information, comprising:
Obtain the interrogation keyword message with it is described at least one be associated with the keyword quantity that disease information matches；
According to the keyword quantity, the interrogation keyword message and the matched probability of each association disease information are calculated；
According to the probability, the degree of correlation of the interrogation key sub-information and each association disease information is determined.
8. a kind of insurance recommendation apparatus, which is characterized in that including for executing as described in any one of claim 1-7 claim
Method unit.
9. a kind of server, which is characterized in that including processor, input equipment, output equipment and memory, the processor,
Input equipment, output equipment and memory are connected with each other, wherein the memory is for storing computer program, the calculating
Machine program includes program instruction, and the processor is configured for calling described program instruction, is executed as claim 1-7 is any
Method described in.
10. a kind of computer readable storage medium, which is characterized in that the computer storage medium is stored with computer program,
The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor
It is required that the described in any item methods of 1-7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811282144.5A CN109300052A (en) | 2018-10-30 | 2018-10-30 | Insurance recommended method, equipment, server and readable medium based on interrogation on line |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811282144.5A CN109300052A (en) | 2018-10-30 | 2018-10-30 | Insurance recommended method, equipment, server and readable medium based on interrogation on line |
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| CN201811282144.5A Pending CN109300052A (en) | 2018-10-30 | 2018-10-30 | Insurance recommended method, equipment, server and readable medium based on interrogation on line |
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| CN110096524A (en) * | 2019-03-15 | 2019-08-06 | 深圳壹账通智能科技有限公司 | Recommended method, device, computer equipment and the storage medium of insurance products |
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